integration with unitel and corporate netbank · 2020. 12. 21. · integration with unitel and/or...

Integration with Unitel and Corporate Netbank General description January 2017

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Nordea Danmark, Filial af Nordea Bank Abp, Finland, Business ID 2858394-9, Patent and Registration Office, CVR no. 25992180, Copenhagen

Contents

Introduction ................................................................................................................... 3

1. Advantages of integration with Unitel or Corporate Netbank ............................... 4 1.1 Integrated system for outgoing payments ............................................................................. 4

1.2 Integrated system for incoming payments ............................................................................ 6

1.3 General advantages of integration with Unitel/CN ............................................................... 6

2. Electronic transmission of payments ..................................................................... 7 2.1. Unitel.................................................................................................................................... 7

2.2 Corporate Netbank ................................................................................................................ 7

2.3 Opening hours for payment instructions ............................................................................... 7

3. Payment transactions............................................................................................. 10 3.1 Indenlandske betalinger [Domestic payments] ................................................................... 10

3.2 Udenlandske betalinger [International payments] .............................................................. 12

3.3 Særlige betalinger [Special payments]................................................................................ 15

4. Advices .................................................................................................................... 16 4.1 Outgoing payments (Only available through Unitel).......................................................... 16

4.2 Incoming payments ............................................................................................................. 17

4.3 Account entries ................................................................................................................... 18

5. Glossary .................................................................................................................. 19

Appendices ................................................................................................................. 21 A. Technical manuals for Unitel and Corporate Netbank......................................................... 21

B. Rules relating to the use of text codes and free text for "Indenlandsk bankoverførsel"

[Domestic transfer] ................................................................................................................... 23

C. Transfer form /Giro payment ............................................................................................... 25

D. Authority in connection with payment instructions ............................................................. 26

E. Security: Secrecy, integrity and non-repudiation ................................................................. 27

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Introduction Integration with Unitel and/or Corporate Netbank (abbr. CN) is not simply a matter of

transferring data from the customer to Nordea and vice versa. It is also a question of designing a

solution that meets and adapts to the customer's business requirements and needs in relation to

financial management.

The description is aimed mainly at software suppliers who are about to develop new or enhance

existing Danish integrated solutions. However, the description may also be useful for customers

wanting to develop integrated solutions themselves or to have further information on the

advantages of integrating an ERP system and Unitel/Corporate Netbank.

You can find information about Corporate eGateway at www.nordea.com, Corporate &

Institutional, Cash Management, Electronic Channels, Corporate eGateway, if the wish is to

develop a Nordic integrated solution.

Before new or further development is deployed it is imminent that Implementation &

Customer Support is contacted. In order to receive information about planed changes in

payment types, formats and/or security concepts.

Further information on integrated payments transfer may be obtained from:

Cash Management Implementation & Customer Support E-mail: [email protected]

Implementation & Customer Supports services are directed primarily towards software suppliers.

Please contact your Nordea contact person if you are a customer with Nordea and would like

further information regarding transmission of payments.

http://www.nordea.com/

mailto:[email protected]

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1. Advantages of integration with Unitel or Corporate

Netbank

Integration with Unitel and/or CN is based on the following main principles:

• Reusing data

• Optimising work routines

The main principles are described in further detail below. The discussion is based on an

integrated system for outgoing and incoming payments, respectively.

1.1 Integrated system for outgoing payments

Outgoing payments include a customer's or a company's payments to creditors, for instance

suppliers and public authorities, or payment of wages and salaries to the company's employees.

Such payments may be recurrent or non-recurrent.

An integrated system for outgoing payments should follow the principles outlined below:

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For the customer, the advantages of an integrated system for outgoing payments are:

• Manual payments, for instance cheques, can be abolished or reduced

• Booking of outgoing payments can be automated

• Reconciliation of bank accounts can be automated

• Punctual payments can be planned more smoothly

• Errors and mistakes could be avoided or substantially reduced.

Notice, Payment advice as a file is currently only available for payments created via Unitel and

not for payments created via CN. Payments created via CN have online validation. Entry data

can be downloaded.

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1.2 Integrated system for incoming payments

Incoming payments include payments to a company from various debtors, typically the

company's customers. The integration of incoming payments with Unitel/CN is presently based

on the use of advices from transfer forms and/or bank transfers.

An integrated system for incoming payments should follow the principles outlined below:

For the customer, the advantages of an integrated system for incoming payments are:

• Booking of incoming payments can be automated

• Set-off/reconciliation of accounts receivable can be automated

• Reminder procedures can be automated

• Reconciliation of bank accounts can be automated.

Notice, Credit advices on domestic bank transfers are currently only available in CN as a file in

connection with entry data, and advices on incoming international payments are only available

online.

1.3 General advantages of integration with Unitel/CN

A solution integrating the ERP system of the company and Unitel/CN may provide the customer

with the following general advantages:

• Administrative advantages in the form of reduced consumption of resources for: - preparation of manual payments

- booking of incoming and outgoing payments

- reconciliation of accounts receivable and payable

- reconciliation of bank accounts

- printing of reminders

• Minimising input errors by reusing data

• Prompt procedures and a more efficient flow of business activities

• Focus on solving problems instead of control.

Thus, the main advantage of integration is the reuse of already accessible data from other

administrative processes in the company, which creates an opportunity for rationalising and

enhancing efficiency.

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Financial

system X

Integrat solutio

ed n

2. Electronic transmission of payments

2.1. Unitel

Unitel EDI does not have a user interface for the customer. A Unitel EDI solution involves the

exchange of data directly between the customer’s ERP system and Nordea. In this respect Unitel

EDI is solely a file or document exchange program that may be more accurately described as an

electronic mailbox between a number of in- and outboxes.

However, it is important to maintain the distinction between user interface and file exchange

interface. Several versions of user interfaces may consequently communicate with the same file

exchange program, Unitel EDI. When Unitel EDI and a ERP system are integrated, the user

interface will be in the ERP system.

Format: EDIFACT / EDI/4

Payment instructions

Advices / Entry data

Unitel

EDI

Unitel Nordea’s

background systems

(Host)

User interface integrated

into the financial system

Figure 2.1: Illustration of principle, Unitel EDI

Figure 2.1 illustrates the basic principle of Unitel EDI. The customer's ERP-system is found on

the left-hand side of the figure. The customer places his instructions in the mailbox, Unitel EDI,

at the centre. The instructions will be picked up and dealt with by the Nordea applications listed

in the right-hand side of the figure. Various forms of data sets for the customer will then be

generated by the applications and delivered to the mailbox. Next, the customer may retrieve the

data by connecting to Unitel EDI. The arrows indicate the data flow direction and whether a

delivery system uses unidirectional or bi-directional communication.

Communication with Unitel EDI is described a number of technical manuals, see Appendix A.

2.2 Corporate Netbank

Corporate Netbank is Nordea's banking solution for corporate customers, designed to meet the

diverse requirements of all corporate customers internationally. It is a secure, powerful and user-

friendly tool for enabling access to a large variety of banking services.

The user can key in payment instructions and/or import payment files from the ERP system. The

payments are confirmed online. Through File transfer service can Transfer form advices and

Account statements with or without incoming domestic bank transfers be downloaded.

2.3 Opening hours for payment instructions

Payment instructions must be delivered within the opening hours of Unitel as described in the

table below, with an execution date for a future period of 12 months (Unitel) or a future

period of 360 days (CN). For each payment type, a cut-off time has been established, that is the

latest time at which a payment instruction should be received if it is to be effected on that same

day. Cut-off times are listed in the annex Payments via Unitel and Corporate Netbank, Tariffs

and cut-off times for payments effected in Denmark.

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Via Opening hours

Unitel for PC 24/7

Unitel EDI 24/7

However, payment instructions are only

processed between 6.00 – 17.00 on Danish

banking days, see below *

Corporate Netbank 24/7

Figure 2.3: Unitel opening hours

* Payment instructions will be stored temporarily in Unitel EDI. In the period 6.00 - 17.00 on

Danish banking days payment instructions are retrieved from Unitel EDI every ten minutes for

processing in the Unitel system. Reply files will only be created within this period.

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Data from Unitel are available for retrieval in Unitel EDI as stated below:

Data type Accessible in Unitel EDI not later than

Receipt message Used to acknowledge receipt of data in Unitel EDI

Immediately upon receipt of data from the customer, for instance payment instructions.

Status message Used to acknowledge receipt of payment instructions in Unitel EDI with statement of validation result in Unitel

Approx. 5-10 minutes after Unitel has received data from Unitel EDI. Example: Payment instruction delivered at 9.59 to Unitel EDI. At 10.05, the status message may be expected to be in the customer's mailbox.

Error message Specification of erroneous payment instruction

Concurrently with the status message, that is 5- 10 minutes after Unitel has received data from Unitel EDI. However, an error message is only delivered if a delivery contains erroneous payment instruction.

Payment advice Notification to the remitter of payments made and serves as a receipt for payment requests

Effected payments: From 6.00 on the day following the day on which payment was effected. Payment requests: From 6.00 on the day following the day on which the payment instruction was received.

Advice regarding incoming payments with transfer forms Message to the beneficiary regarding incoming payments made by means of transfer forms

After 8.00 on the day for which the advice was ordered. If daily advice has been requested, the advice may be retrieved after 8.00 on all business days. In this case, the date of advice is the same as the bookkeeping date.

Credit advices, domestic bank transfers

Message to the beneficiary regarding incoming payments made by means of domestic bank transfers

Advises are generated when the transfers are available to Nordea, and are accessible after 5.30, 6.30, 8.00, 11.00 and 16.00.

Credit advices, international bank transfers

Message to the beneficiary regarding incoming payments made by means of international bank transfers

Advises are generated when the transfers are available to Nordea, and are accessible after 5.30, 6.30, 8.00, 11.00 and 16.00.

Entry data Electronic bank statement

After 6.00 on the day following the day for which the Entry data was ordered. Entry data may be delivered on a daily or weekly basis.

Custody account data Electronic statement of holdings

Danish holdings: Daily after 6.00 Foreign holdings: Daily after 10.00

Figure 2.4: Data delivery times in Unitel EDI

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3. Payment transactions

Unitel and CN are basically capable of handling a number of domestic and international payment

types that are all described below. In addition to this, Unitel/CN may handle various special

payment types, which require a specific agreement to this effect between the customer and

Nordea. These payment types are described briefly in the section on special payments.

Information about cut-off times, transaction charges and value rules are specified in the customer

tariffs Payments via Unitel and Corporate Netbank, Tariffs and cut-off times for payments

effected in Denmark.

In addition to the description of each payment type, a record identification is stated which refers

to the three different data formats that may be used in connection with integration with Unitel

EDI and CN:

• EDI/4. The format is used in connection with direct integration with Unitel EDI and in

connection with integration with CN

• UTF. Comma-delimited format used in connection with integration with CN

• EDIFACT. The format is used only for direct integration with Unitel EDI

The formats are described in further detail in three separate format descriptions, see Appendix A.

3.1 Indenlandske betalinger [Domestic payments]

Indenlandsk bankoverførsel [Domestic transfer1]:

Record id: EDI/4: UBT04500 UTF: 45

EDIFACT: IBB UKA and IBB UUA

Usage: Domestic transfer in DKK between own accounts within Nordea, or to a

third party who has an account with Nordea or another bank. The transfer

may be used for all purposes, for instance transfer of salary or creditor

payments.

Advice: In connection with a transfer to a third party, an optional message to the

beneficiary may be attached. The message may be either a brief text on

the beneficiary's bank statement or a combination of a brief text and a

more detailed specific message.

The beneficiary may be notified of the payment in that the beneficiary's

bank may forward a letter with the message to the beneficiary.

Where the amount is to be transferred to a third party, the beneficiary's

identification of the remitter (for instance a customer number) as well as

a reference to a primary document (for instance an invoice number) may

be stated in special fields.

Certain rules apply to the combination of text codes and optional

messages exceeding 20 characters. The options available for the

composing of the advice depend on the remitter's selection of:

1 A domestic transfer is a form of "multi-payment type". Depending on the wishes of the remitter as regards size of the advice to

the beneficiary, the payment from Nordea to the beneficiary's bank will be effected as different payment types. Accordingly, the

payment may be in the form of a "Kontooverførsel i Nordea" [Account transfer in Nordea], "Bankoverførsel med meddelelse"

[Transfer with advice]. These payment types will appear from the customer tariffs for payments.

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- text code

- reference to primary document

- creditor's identification of debtor

The rules for combining text codes and optional messages, including text

codes for salary and pension transfers, are described in Appendix B.

Notice, CN only supports text codes for salary and pensions and that

brief advice is optional for all domestic bank transfers.

Batch entry record: The payment type may handle batch entries, which means that all

transfers with the same execution date and the same bunch number will

be debited to the remitter's account as one total amount.

Special rule for CN: The transfers should be imported and confirmed

together in order to be executed as a batch entry.

Same-day credit transfer

Record id.: EDIFACT: IBB DK1

Usage: Same-day credit transfer looks like Domestic transfer in DKK between

own accounts within Nordea, or to a third party who has an account with

Nordea or another bank.

The transfer will be at the beneficiaries account the same day as the

amount is debited the remitter’s account, if the payment instruction is

received before cut-off in Nordea.

Advice: In connection with a transfer to a third party, an optional message to the

beneficiary may be attached. The message may be either a brief text on

the beneficiary's bank statement or a combination of a brief text and a

more detailed specific message.

The beneficiary may be notified of the payment in that the beneficiary's

bank may forward a letter with the message to the beneficiary. Where the

amount is to be transferred to a third party, the beneficiary's identification

of the remitter (for instance a customer number) as well as a reference to

a primary document (for instance an invoice number) may be stated in

special fields.

Batch entry record: The payment type may handle batch entries, which means that all

transfers with the same execution date code and the same bunch number

will be debited to the remitter's account as one total amount.

The batch entry is only allowed to contain this payment type.

Indbetalingskort/Girobetaling [Transfer form/Giro payment]:

Record ID: EDI/4: UBT04600

UTF: 46

EDIFACT: IBK A01, A04, A15, A71, A73, A75

Usage: Transfer to a third party where the beneficiary has issued a transfer form

or giro transfer form as basis for the payment.

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Advice: Depending on the form type either the payment id (payment reference) or

a message to the beneficiary must be entered.

Appendix C specifies the use of form types, payment id and message

fields in connection with form-based payment media.

Batch entry record: The payment type may handle batch entries which means that all

transfers with the same execution date and the same bunch number will

be debited to the remitter's account as one total amount.

Special rule for CN: The transfers must have been imported and

confirmed together in order to be executed as a batch entry.

Check til Danmark [Domestic cheque]:


UTF: 47

EDIFACT: 26 DFA, 26 DFM

Usage: Transfer to a third party where other forms of payment may not be used

or where the beneficiary requires payment by means of a cheque.

Special conditions: The payment type generates a bank cheque which will be sent directly

from Nordea to the beneficiary or to the remitter where required.

Notice, that as opposed to an ordinary cheque, a bank cheque is debited

at the time it is made and that it is irrevocable.

Valutakontooverførsel mellem konti i Nordea [Currency transfers between accounts with Nordea]:

Record ID: EDI/4: UBT05600 UTF: 56

EDIFACT: IBB VAL

Usage: Transfer between own foreign currency accounts with Nordea or to a

third party with a foreign currency account with Nordea.

Special conditions: The remitter may use 4 lines of 35 characters each for a message

concerning the payment. The transfer may be carried out with or without

exchange of currency.

3.2 Udenlandske betalinger [International payments]

International payment types may also be used to transfer currency to another Danish bank.

The combination possibilities for the individual fields are described in the different file

descriptions and in the factsheets International payments via Unitel - General information and

International payments - Account number structure at www.nordea.dk.

http://www.nordea.dk/

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Standardoverførsel [Ordinary transfer]:


EDIFACT: UBB ALO

Usage: Transfer to a third party who has an account with a foreign bank.

Ordinary transfer is the less expensive type of international payment but

also involves the longest transfer time.

Advice: The remitter may use 4 lines of 35 characters each for a message to the

beneficiary.

Special conditions: Via Nordea's network of correspondent banks, most of Nordea’s

international transfers may be transmitted directly to the beneficiary's

bank. In the event that Nordea does not cooperate directly with the

beneficiary's bank, the transfer will be carried out via a local

correspondent bank. In the latter case, the payment advice to the

beneficiary may be slightly delayed.

Ordinary transfers containing information accordingly to conditions for

SEPA Credit Transfer, EU Payment or Nordea Payment will be executed

as such.

Ekspresoverførsel [Express transfer]:


UTF: 50

EDIFACT: UBB - EXP

Usage: Used for the same purposes as an ordinary transfer, but the transfer time

is considerably shorter. An express transfer is thus mainly aimed at

customers transferring large amounts where the transfer time or the

interest-rate advantage is important.


beneficiary.

Special conditions: Via Nordea's network of correspondent banks, most of Nordea’s

international transfers may be transmitted directly to the beneficiary's

bank. In the event that Nordea does not cooperate directly with the

beneficiary's bank, the transfer will be carried out via a local

correspondent bank. In the latter case, the payment advice to the

beneficiary may be slightly delayed.

Koncernoverførsel til udenlandsk pengeinstitut [Intercompany transfer to foreign bank]:


UTF: 51

EDIFACT: UBB KON

Usage: Transfer from a group's account with Nordea DK to the same group's

account with a foreign bank.


beneficiary.

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Nordea Intercompany Payment:


EDIFACT: UBB NOR

Usage: Transfer from a group's accounts with Nordea DK to the same group's

accounts with Nordea’s other units.


beneficiary.

Special conditions: The transfer can be carried out with or without currency conversion.

Check til udlandet [Foreign cheque]:


EDIFACT: 23 DFA, 23 DFM

Usage: Transfer to a third party where other types of payment may not be used,

for instance where the beneficiary's foreign bank is unknown.


beneficiary.

Special conditions: The payment type generates a bank cheque which will be sent directly

from Nordea to the beneficiary or to the remitter where required.

Notice, that as opposed to an ordinary cheque, a bank cheque is debited

at the time it is made and that it is irrevocable.

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3.3 Særlige betalinger [Special payments]

Apart from the payment types described in sections 3.1 and 3.2, there are a few payment types

that require a special agreement between Nordea and the customer before payments can be

executed. Unless the correct agreement has been made between Nordea and the customer, a

payment instruction of this type will be rejected.

Below is a description of the special payment types according to the structure used above in

connection with the ordinary types of payment. Information about charges, value and cut-off

time will be specifically agreed on between the parties.

Koncernoverførsel [Intragroup transfer]:


UTF: 55

EDIFACT: IBB NAT

Advice: It is not possible to attach an advice to the transfer.

Usage: Domestic transfer between a group's accounts with a number of Danish

banks. The transfer may be carried out through the Danish National Bank

without loss of value for amounts exceeding DKK 5 million when both

the beneficiary bank and the remitting bank are notified of the transfer in

advance.

Request for Transfer:


UTF: 43

EDIFACT: MTA + specially agreed code

Usage: Request for payment from an account with a foreign bank. The bank may

be either another unit of Nordea or another bank. Request for Transfer

may be used to draw funds back from accounts abroad and for requesting

domestic and international transfers from the account in the country in

question.

For instance a customer may use Request for Transfer to pay his creditors

in Germany by requesting domestic (German) transfers from his account

with Nordea Germany.

See the instructions How to enter a Request for transfer at

www.nordea.dk. The instructions also contain information on which

transfer types can be used in each country and on the content in the

message fields.

Corporate Netbank Request for Transfer’s from accounts with Nordea FI, NO, SE and the

Baltics imported into CN are executed as the payment type Request for

Transfer, though manually keyed in payments in CN from the same

accounts are executed as local payments.


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4. Advices

Nordea delivers several kinds of advice in relation to payment handling. The types of advice

described are delivered electronically. This ensures that data may be reused in various automated

reconciliation routines in the company's own ERP system as described briefly in section 1.

Applications for the individual types of advice are furthermore described.

A few paper-based types of advice are also described. These types of advice may not be used in

connection with integrated payment transmission, but they have been included in the description

in order to give a complete overview of the flow of payments and advices.

4.1 Outgoing payments (Only available through Unitel)

Types and sizes of advice:

Advice in relation to outgoing payments may be divided into three types:

• Payment requests. Only supplied for payments where the execution date is later than the

request date. Thus, the advice is a confirmation of the customer's payment instruction.

• Effected payments. The advice is a receipt confirming that the requested payment has been

carried out.

• Cancelled payments. The advice serves as confirmation that the requested payment has been

cancelled. Payments may only be cancelled via Unitel Online.

Advice of domestic outgoing payments may only be transferred electronically. Advice of

international payments may be made on paper as well as electronically.

The format descriptions contain a more detailed description of the contents of a long or brief

advice. See Appendix A for further details.

Applications for advice concerning outgoing payments:

Advice of outgoing payments may be used in several ways; as part of the accounting basis and as

part of the basis for reconciliation. In connection with international payments, the advice relating

to an outgoing payment is particularly interesting as the exchange rate for the currency appears

from the advice. The difference may be calculated and entered on this basis.

In many ERP systems, an outgoing payment will be booked at the time at which the payment

proposal is approved, that is before a payment advice has been returned from Nordea. In this

event, the advice of an outgoing payment will only serve as a basis for reconciliation and for

accounting for exchange rate differences in connection with international payments. The

disadvantage of using this method, however, is that the overview of the company's cash flow

becomes less clear.

By using advice actively in the ERP system in connection with an outgoing payment it becomes

easier to get a general idea of the company's cash flow situation.

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4.2 Incoming payments

Advice concerning domestic and international incoming payments depends on the type of

payment selected by the remitter of the transfer:

Bank transfer with The advice appears from the beneficiary's bank statement in

advice the form of a text of no more than 20 characters and information on

the number contained in a separate message including further advice.

This message will be forwarded by post, no later than in connection

with the forwarding of the next bank statement.

Advices can also be delivered electronically via Unitel (Entry data

and/or credit advices) or via CN (Account statement ver. 3 DK).

Transfer form The advice may be delivered either on the beneficiary's bank

statement or as a separate advice. If a separate advice is selected,

several incoming payments with the same execution date will appear

as a batch entry on the beneficiary's bank statement. Among other

things, the separate advice includes information on debtor

identification, payment date, credit value and any charge amount as

stated by the beneficiary on the transfer form.

Separate advice is delivered either on paper or electronically via

Unitel or CN.

Incoming international The advice is forwarded by post, when the amount is available for

Payments Nordea, irrespective of which payment type the remitter used.

Any message attached to the payment will appear from the advice.

Advices can also be delivered electronically via Unitel EDI.

See appendix B for further information. Reversal of transfer form advices:

When advices of incoming payments by means of transfer forms are given electronically

consequently, reversals are also advised electronically.

On rare occasions an advice of an incoming payment may by mistake be remitted several times

or a payment may be erroneous. Nordea will therefore reverse the payment in question and issue

an advice of the reversal electronically.

For additional information on the fields and codes used, see the file descriptions Transfer form

advice and EDI CREMUL.

It should be ensured that the ERP system is able to handle advice of reversals in order to enable

automated booking and corrections, if required.

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4.3 Account entries

In addition to the advice used purely in relation to incoming and outgoing payments, entries on

specific accounts may be delivered electronically to the customer. Information for the customer

is actually identical to the information available in an ordinary paper-based bank statement.

Entry data may thus be considered an electronic bank statement.

Possible application of Entry data:

Entry data may be used for various reconciliation routines. The following example illustrates

actual reconciliation on the basis of Entry data:

• Reconciliation of outgoing payments carried out via Unitel/CN

• Reconciliation of paid cheques

• Reconciliation of sales via "Dankort" card terminals

• General reconciliation of entries and balances in bank accounts

In CN Account Statement ver 2 DK and Account Statement ver 3 DK, including advice on

incoming domestic bank transfers, are available via File transfer service.

In Unitel EDI Entry data the following types of deliveries are available: All messages, cheques

cashed only or "Dankort" creditor transaction information only. Reconciliation of payments made via Unitel/CN

A so-called own reference selected by the customer may be stated on the payment instruction

transmitted to Unitel EDI or imported in CN. The reference may be for instance a creditor

number.

The customer receives his account entries electronically. The own reference will appear from

this data set and a search for outstanding outgoing payments may subsequently be carried out

and the entries closed.

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5. Glossary Advice A message. It may be a message regarding the receipt of a payment

amount with statement of the remitter's name or any other kind of

debtor identification.

Approval of a payment

instruction

The approval of a payment instruction may be compared to the

signature on a cheque. Those who approve (sign) must have the

necessary authority for the approval to be valid and the payment

instruction to be effected

Authority (Unitel) A payment instruction will be accepted and effected by Nordea if it

has been approved in one of the following ways:

- with one S code

- with two different A codes

- with one A code and one B code.

Availability day The day on which the funds are available to the beneficiary without

any loss of interest.

BBAN Basic Bank Account Number. The BBAN is the local format for an

account number. Nordea DK BBAN consists of 14 digits (4 digits

sorting code and 10 digits account number.

Clearing Set-off of outstanding amounts among banks via the banks' accounts

with the Danish Central Bank.

Confirm a payment

instruction

CN terminology for approval of payment instructions.

Correspondent bank Foreign bank with which Nordea has an account.

Credit account An account into which an amount is to be paid.

Crediting When an account with a bank is credited, an amount is paid into the

account.

Creditor's identification

of the debtor

Reference available in "Indenlandsk bankoverførsel" [Domestic

transfer]. The reference will typically be a customer number.

Currency account An account in Nordea DK held in another currency than DKK, e.g.

EUR.

Debit account The account from which an amount is to be withdrawn.

Debiting When an amount is debited on an account with a bank, the amount is

actually deducted from the account.

DES/MAC Data Encryption Standard/Message Authentication Code. The

security routine is primarily based on the DES algorithm for

encryption of messages and calculation of the MAC value.

EDI Electronic Data Interchange. Transfer of data structured according

to jointly accepted standards.

Furthermore the name of Nordea’ own format used for exchanging

data with Unitel EDI and for import of payments into CN.

EDIFACT Electronic Data Interchange for Administration, Commerce and

Transport. Syntax for electronic data exchange defined under the

auspices of the UN.

Foreign currency

account

An account kept in a currency other than DKK, such as EUR.

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IBAN International Bank Account Number. The IBAN is an expansion of

the existing account number to which a country code and two check

digits have been added. The IBAN is used instead of the usual

account number.

Modulus control Clarifying control in which an extra control digit is added to a

number. The extra digit has been calculated on the basis of the other

digits in the number by means of an algorithm.

Payment instruction A payment instruction may be defined as an order sent from a

remitter to Nordea requesting Nordea to pay a beneficiary a certain

amount.

Personal code (Unitel) The personal code is a 6-digit code selected by the owner. The code

is registered in the systems of the bank and may be used in

connection with approval of payment instructions as well as for

obtaining direct access to the bank's systems. The owner is obliged

to keep his code secret and to take reasonable precautions to ensure

that it remains secret.

Reference to primary

document

Reference available in "Indenlandsk bankoverførsel" [Domestic

transfer]. The primary document will typically be an invoice.

SEPA Single Euro Payments Area. The Single Euro Payments Area

consists of 27 EU member states, three EEA countries (Norway,

Iceland and Liechtenstein) and Switzerland.

SEPA Credit Transfer A SEPA Credit Transfer is a transfer of funds complying with the

SEPA credit transfer standards and rules. The identification data of

customers and their bank consist of the IBAN and the BIC.

Payments have to be in EUR and charges shared between remitter

and beneficiary.

UTF UniTel Format. Comma-delimited file format for import of

payments into CN.

Value The date on which an amount is included in the calculation of

interest for an account.

VANS Value Added Network Service also called a service network. A data

network which in addition to data transmission offers information

searching, network management, access to data power and

electronic mail etc.

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Appendices

A. Technical manuals for Unitel and Corporate Netbank

A number of technical manuals are available in connection with the development of an

integrated solution for Nordea’s products. Most of these manuals can be downloaded from

Nordea's website on www.nordea.dk and the remaining can be obtained from Implementation &

Customer Support.

The table below includes a list of all technical manuals. The list is represented in the form of

flowcharts with solutions for outgoing payments as well as incoming payments/advices.

Functionality and contents

Manual Usage

Integration with Unitel and Corporate Netbank General description

General manual for integration with Unitel and CN. (This manual) Description of payment and advice types

Record formats and technical specifications

Manual Usage

Corporate Netbank and Unitel Payments in EDI/4 format

Format for importing of payment instructions Integration with CN and Unitel for PC

Format for upload of payment instructions Integration with Unitel EDI

Unitel Payment advices in EDI/4 format

Format for download of/exporting payment advices (EDI/4 format) Integration with Unitel EDI and Unitel for PC

Corporate Netbank and Unitel for PC Comma-delimited format for payments

Format for importing payment instructions (comma-delimited) Integration with CN and Unitel for PC

Unitel EDI PAYMUL Format for upload of payment instructions (EDIFACT format) Format for download of payment advice (EDIFACT format) Appendix to the guidelines published by the Danish Bankers Association on payment advices (Finansrådets vejledning for betalingsmeddelelser) in EDIFACT (version 4) Integration with Unitel EDI

Indbetalingskort Blankethåndbog for fremstilling

Technical specifications for creation of transfer forms Only available in Danish

Unitel for PC Transfer form advice

Format for exporting transfer form advice (PBS, Danske Bank and BG Bank formats) Integration with Unitel for PC

Corporate Netbank Transfer form advice

Format for download of transfer form advice (PBS format) Integration with CN

Unitel EDI Transfer form advice

Format for download of transfer form advice (PBS format) Integration with Unitel EDI

Unitel for PC

Entry data format Format for exporting account entries (comma-delimited format) Integration with Unitel for PC


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Record formats and technical specifications

Corporate Netbank Account Statement DK ver 2 & 3

Format for download of account entries (comma-delimited format) Integration with CN

Unitel EDI Entry data format

Format for download of account entries (Nordea format) Integration with Unitel EDI

Corporate Netbank MT940

Format for download of account entries (SWIFT format) Integration with CN

Unitel EDI MT940

Format for download of account entries (SWIFT format) Integration with Unitel EDI

Unitel EDI Depotdata

Format for download of custody-account information (Nordea format) Only available in Danish Integration with Unitel EDI

Unitel for PC Credit advice for domestic account-to-account transfers

Format for exporting of credit advice (comma-delimited format) Integration with Unitel for PC

Unitel EDI FINSTA

Entry data format for account entries (EDIFACT-format) Appendix to the guidelines published by the Danish Bankers Association on payment advices (Finansrådets vejledning for betalingsmeddelelser) in EDIFACT (version 4) Integration with Unitel EDI

Unitel EDI CREMUL

Format for download of transfer form advice, credit advice on domestic account-to-account transfers and credit advice on international bank transfers Appendix to the guidelines published by the Danish Bankers Association on payment advices (Finansrådets vejledning for betalingsmeddelelser) in EDIFACT (version 4) Integration with Unitel EDI

Implementation of security and/or communication

Manual

Usage

Unitel EDI Security and Transport Module (ESTM)

Installation manual and commands for the EDI Security and Transport module (ESTM) (payments and download files in EDI/4 and EDIFACT format).

Unitel EDI Sikkerhed i Unitel EDI

Fact sheet about Security in Unitel EDI. Only available in Danish.

Unikrypt/MVS

Installation manual and commands for UNIKRYPT/MVS Integration with Unitel EDI from MVS platforms (payments in EDIFACT format). Only available in Danish.

Unitel EDI Implementation manual for mainframes

Implementation manual for integration with Unitel EDI. Only available in Danish. Can be obtained from Implementation & Customer Support.

Test manual

Usage

Integration with Unitel Test manual

Test guidelines, Test data. Integration with all Unitel products. Can be obtained from Implementation & Customer Support.

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B. Rules relating to the use of text codes and free text for

"Indenlandsk bankoverførsel" [Domestic transfer]

If a customer wants to transfer an amount to another Danish bank account, the payment type

Domestic transfer should be used.

Nordea will execute the payment either as a Transfer between accounts within Nordea, Transfer

with advice or a Transfer with express advice, depending on the customer's selection of:

• Beneficiary’s account

• Text code

• Message to the beneficiary

• Reference to primary document and creditor's identification of debtor

• Express advice

Type

Unitel name

Corporate Netbank name

Kontooverførsler indenfor Nordea

[Transfer between accounts within

Nordea]

Indenlandsk bankoverførsel [Domestic transfer]

Bank Transfer

Bankoverførsel med meddelelse

[Transfer with advice]

As the payment is executed as one of three possible payment types, each of which has a specific

functionality, certain restrictions apply to the use of text codes, free text etc. The table below

shows the rules applying to the usage of text codes and free text etc, depending on the type of

payment used for creating the payment. Please note that the table continues on the next pages.

Functionality

Transfer between accounts within Nordea

Bank transfer with advice

Express advice option available

No

No

Message to beneficiary as free text

41 lines of 35 characters

41 lines of 35 characters

Specifying an alternative remitter

Unitel: Yes, but lines used will not be available for free text

CN: Use of alternative remitter does not limit the number of available lines for free text

Unitel: Yes, but lines used will not be available for free text

CN: Use of alternative remitter does not limit the number of available lines for free text

Batch entry record option

Yes

Yes

Using a free text on text code line of beneficiary's bank statement

Yes

Yes

Using a text code

May be used

Mandatory in Unitel

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Functionality

Transfer between accounts within Nordea

Bank transfer with advice

Specifying a reference to the primary document

Yes

Yes

Specifying the creditor's identification of the debtor

Yes

Yes

Text codes for transfer of salaries and pensions *

099 Løn * [Wages and salaries] 103 Pension * [Pension] 156 Lønoverførsel * [Transfer of wages and salaries] 157 14 dages løn * [Fortnightly salary]

099 Løn * [Wages and salaries] 103 Pension * [Pension] 156 Lønoverførsel * [Transfer of wages and salaries] 157 14 dages løn * [Fortnightly salary]

Other accessible text codes

CN:

Does not support other text codes than the text codes for salaries and pensions.

All other text codes will be renamed to "Overførsel" [Transfer]

008 Opgjort konto* [Closed account] 018 Omkostninger [Costs and expenses] 035 Husleje [Rent] 068 Overførsel [Transfer] 086 Tilbageførsel [Reversal] 100 [Fri tekst] [Free text] 102 Info-overførsel [Info transfer] 139 Klientkontomidler [Client account funds] 145 Tilskud [Grants and subsidies] 158 Indbetaling [Incoming payment] 159 Regning [Bill] 160 Faktura [Invoice] 161 Kontingent [Membership fee] 163 Udbytte [Dividend] 307 Udlæg [Disbursements]

008 Opgjort konto* [Closed account] 018 Omkostninger [Costs and expenses] 035 Husleje [Rent] 068 Overførsel [Transfer] 086 Tilbageførsel [Reversal] 100 [Fri tekst] [Free text] 102 Info-overførsel [Info transfer] 139 Klientkontomidler [Client account funds] 145 Tilskud [Grants and subsidies] 158 Indbetaling [Incoming payment] 159 Regning [Bill] 160 Faktura [Invoice] 161 Kontingent [Membership fee] 163 Udbytte [Dividend] 307 Udlæg [Disbursements]

* To make sure that the beneficiaries of salary and pension transfers (whether they have an

account with Nordea or with another bank) receive the amounts in time and at the same

time, the transfers must contain one of these text codes.

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C. Transfer form /Giro payment

The beneficiary gains several advantages by using transfer forms as a means of collecting

payments. One advantage is the possibility of receiving an advice when payment has been

received. The advice may be registered in connection with a bank statement or in the form of a

paper-based list. Or as a file via Unitel EDI or CN, which makes electronic reconciliation

possible. For the beneficiary it is essential that the payment reference (payment ID) is entered

and transferred correctly in order to allow automatic reconciliation.

Figure C.1 below is an example of a transfer form. The difference between an ordinary giro

transfer form and a transfer form is the OCR line at the bottom of the form. This line contains

information such as form type code, payment ID and creditor number.

Figure C.1: Transfer form

The form type code contains information on the selected type of payment and

requirements/possibilities for using a payment reference (payment ID). The form type code on

the transfer form in Figure C.1 is 75, which means that the payment ID must be entered with 15

digits plus a modulus control digit, that is a total of 16 digits. The payment ID in the example is

1234567890123452. The 8 digits following “+” identify the creditor number (80882939).

The table below shows the validation of form type codes which can be paid via Unitel or CN.

Form type

Beneficiary account

OCR/Payment id (number of digits)

Message lines

Remitter info.

Alternative remitter

01

Normally 7 digits

Not available

Should be used – up to 4 lines in Unitel and 41 in CN

Yes

May be used

04 Normally 7 digits

Mandatory (16)

Not available

No

Not available

15 Normally 7 digits

Mandatory (16)

Not available

Yes

Not available

71 8 digits starting with 8

Mandatory (15)

Not available

No

Not available


Not available Should be used – up to 41 lines

Yes

May be used


Mandatory (16) May be used – up to 41 lines

No

Not available

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D. Authority in connection with payment instructions

Unitel If Nordea is to accept a payment instruction and the amount to be transfered to the beneficiary,

the payment instruction must be signed/approved by those staff members in the company who

have the necessary authority to operate the company's accounts. The authority of such staff

members is defined in the agreement made between the company and Nordea in connection with

the establishment of access to Unitel.

When approving payment instructions, users use their 6-digit personal codes. Various levels of

authority may be defined for the personal codes. For example, a company may decide that all

payment instructions are to be approved by two individual users or by one superuser. For this

reason, Nordea has developed a hierarchy consisting of a number of different levels of authority

of which the S code is the most comprehensive. The levels of authority may be described as

follows:

A payment instruction will be accepted and executed by Nordea if it has been approved in one of

the following ways:

- with one S code

- with two different A codes

- with one A code and one B code

Corporate Netbank

Please contact the customer’s Cash Management adviser for guidance concerning the

confirmation rules in Corporate Netbank

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E. Security: Secrecy, integrity and non-repudiation

A MAC control calculation

of key fields in the

payment order based on the

customer’s encryption keys

is made to make sure that

approved payments are not

manipulated after approval.

This is called integrity. As

an extra security factor the

encryption keys are

changed every 10 month.

MAC = Message

Autentication Control.

UNITEL number +

UNITEL access code

2 key letters =

encryptions keys

The customer’s secret access

code is changed every 30th day.

This ensures the customer, that it

is the costumer that accesses

Unitel. This is called non-

repudiation.

UBT number UNITEL EDI ident.

Mailbox

Company identification.

Account 2149-

0810494433

The user’s personal codes that

are used for approving payment

proposals should be kept secret

to ensure non-repudiation.

3 letters identify the users and

the individual user chooses its

own 6-digits code.

SSS: 111000 AAA: 222000 BBB: 333000

integration with unitel and corporate netbank · 2020. 12. 21. · integration with unitel and/or...

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